Fast Track Your Pay
You asked, we delivered!
Trax Early Pay is here! When you enroll in direct deposit to your Trax CU checking or savings account, you can get access to your paycheck sooner*—fast, safe, and totally hassle-free.
Why you’ll love Early Pay
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Speed: Access eligible direct deposits sooner.
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No fee: There’s no extra cost to you.
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Security: Skip the risk of lost or stolen checks—your money goes straight to your account.
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Convenience: No more trips to deposit checks or waiting for mobile check uploads.
How to get started
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Set up or update direct deposit to your Trax CU checking or savings account.
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Accept the disclosure that appears every time your check is ready.
- That's it — the money is then automatically deposited into your account each time!
Need help? We’re here for you. Visit your nearest Trax CU location or call us at 813-800-8729. You can also manage your account in Online Banking or the Trax CU Mobile App.
Visit our FAQs below to learn how to set up Early Pay on your device.
Quick Facts
Who is eligible for Early Pay?
All members are automatically eligible for Early Pay!
Which accounts qualify for Early Pay?
All checking and savings accounts that receive ACH direct deposits are eligible. Only direct deposits qualify for Early Pay.
What happens to my scheduled or automatic payments?
Receiving your deposit early does not change the scheduled due dates or posting dates of any automatic or recurring payments (including loan payments).
Please make sure sufficient funds remain in your account on the actual payment due date.
Are there any limitations?
There are currently no limitations on eligible accounts or deposit types. However, early deposit availability depends on when your payer submits the information to us.
*Eligibility: Early Pay applies to all ACH direct deposits. Not all deposits may be received early, as availability depends on when the payer submits the deposit. Timing: Early Pay availability depends on when the payer submits the deposit and when we receive it. No Guarantee: Early Pay is not guaranteed. Deposits may arrive on the scheduled payment date. Fees: We do not charge a fee for this service. Other Terms: All other account agreements and overdraft rules still apply. We may modify or cancel Early Pay at any time. Scheduled Payments Reminder: Receiving funds early does not change the scheduled due date or posting date of any automatic payments (including loan payments). Other restrictions may apply.